Which type of insurance pays for extra expenses to maintain operations after an accident?

Extra expense insurance is specifically designed to cover the additional costs that a business incurs in order to maintain operations during a period of disruption caused by an accident, disaster, or other event. This type of insurance is crucial for businesses that need to continue functioning despite having suffered a loss that affects their normal operations. For example, if a fire damages a portion of a building, extra expense insurance would help cover the costs of renting temporary space, purchasing equipment to keep processes running, or any other necessary expenses that exceed regular operational costs.

In contrast, the other options serve different purposes. Contingent business interruption insurance protects against losses caused by disruptions to a business's supply chain, but does not cover expenses incurred to keep operations going. General liability insurance covers legal liabilities for injuries or damages resulting from the company’s operations, while workers' compensation insurance pays for medical expenses and lost wages for employees injured on the job, neither of which directly addresses maintaining operational capacity during a disruption. Thus, the primary focus of extra expense insurance on covering necessary additional costs during a recovery period makes it the correct answer.